How To Fix Your Relationship With Money (and build financial freedom)

3 years ago, I was making £1,800 as a nanny every single month. I was working 6 AM till 6 PM, barely surviving and barely making ends meet, paying my rent and just living life as a 22-year-old. Cut to now, 3 years later, I am fully financially free. I make 6 figures a year. I've retired my mom. I've moved to Dubai. I travel when I want, where I want, and I'm finally out of the scarcity mindset, all because I learned the skill of high ticket sales. Now, what's funny is the mindset that took me, that got me here, that brought me here, didn't actually change. I've always applied certain principles into my life to help me achieve success. Success, but the difference was the vehicle. The vehicle was what was holding me back. So I wanna take you through the 7 principles that has allowed me to do a complete 180 of my life and really build my dream life at the age of 26 and share how you can do the same too. Before I get into the habits, if you're watching this, you're most likely struggling right now or not where you want to be. And that's tough. I know the feeling. It may not seem that way now for me, but trust me, I remember that feeling like it was yesterday. And what I wanna say to you first things first, if you don't quit, you can't fail. So do not give up on your dream. Do not give up on your goals and your plans to create financial freedom. However, you may just need to change up your habits a little bit. You may need to switch up your mindset a little bit to actually help you get there. Because as I always say, most people want a 10K outcome with a 1K effort and a 1K strategy. You have to have a 10K effort, a 10K strategy to achieve a 10K outcome. So do not forget that. Do not let the internet warp your mind as to what's actually possible and what it takes to actually get you there. Habit number 1, stop saving and start investing. But this may not mean what you think it means. And what I mean by this is I used to think by putting aside £50 every month or £100 every month, that was going to build me wealth, that was going to compound, and it doesn't. I used to try and stack up as much cash as possible from my 9 to 5 where I was making £1,800 a month, and realistically I could never afford to put more than £200 away, um, and that is a problem. When I say investing, the first thing that probably comes to mind is the stock market, S&P 500, crypto, things like that. And although that can be great down the line, I'm not talking about that. In my opinion, do not do those things while you're making— well, I personally think less than £30K K a month. That's my opinion. I'm not a financial advisor. Everyone says different. But until you are out of scarcity, until you're not looking at money as like— as making your decisions, then I personally would not be investing in things like that. What I would be investing in is yourself. The first thing that I did was invest in a high-income skill, and We've all heard it. We all hear the gurus online talk about this, but I'm serious. You have to educate yourself. Again, a 10K strategy to get a 10K outcome. You cannot think that you can go on YouTube University and wing it. And I learnt this the hard way. I started a business, it completely failed because I thought I could do this by myself. I started an equestrian clothing business, and I did not know the first thing about clothing manufacturing. I did not know the first thing about building an in-person, like, product-based business. And it crashed and burned. And I invested the last of my savings into a high-ticket sales coach. Was it a risk? Absolutely. But if you don't bet on yourself, I always say, if you want what you've never had, you've gotta do what you've never done. So invest in your education, invest in your knowledge, pour into yourself first before you pour into external sources, because you can never, go wrong by learning. You can never go wrong by pouring into yourself. And something I learned very quickly is women who are financially free are very strategic with the decisions that they make, and they are always very, very educated. And I'm not talking about a university degree, I'm talking about knowledge in today's day and age that can actually make you financially The high-income skill for me was high-ticket sales. If you're watching this channel, I'm sure you're looking into that yourself because it's very niche, hence why you're here. But it might not be the path you're looking into. Regardless, choose a high-income skill. Invest in someone who's been there and done it to teach you how to do it so you can expedite your journey. Habit number 2: normalize abundance. Now, this may come as counterintuitive because we want to be using all of our money to invest in ourselves. And what I don't mean, and I want to preface and put it like big on the screen, is lifestyle creep. I'm not talking about you get a pay rise, you buy a new car, you upgrade your apartment, you start flying business class. I'm not talking about those things. I am talking about living the wealthiest version of you, creating abundance everywhere For me, the lowest cost version of that was every single morning I would get ready. Like now I wear co-ords and I— one, because it's easy, I don't have to think about it, but two, because I always want to feel put together. I want to— don't want to think about what I'm wearing too much, but I know I always want to look and feel good. So I do my hair, I do my skincare if I don't want to do my makeup, I put on a put-together outfit, I have my space clean and organized. Maybe I would used to go, and I still do now, go and work from a coffee shop, romanticize your day. Have a nice journal, um, really embody that woman. I didn't used to invest in designer things. I didn't used to buy a lot of clothes when I was making, you know, when I was a nanny. I didn't used to buy the designer makeup. Like, I was literally the opposite of all my friends, and they would always do those things, and I would always honestly feel so embarrassed I didn't have those things and that I wasn't spending money in that way. But how I would personally spend my money, the limited amount that I have, is is I would save it up and then take myself on a luxury experience, whether that would be like a spa treatment or a hotel stay, or to be able to drive myself to have like a really nice lunch and romanticize that. I would put myself in places that I knew was in my like lifeline, if you will, and that I knew would make me more inspired to work more, and to push harder. And I would highly, highly recommend that to you as well. You don't want to be operating out of a place of scarcity. You don't want to think, I will do that when, you know, I will stay at that hotel when. If you can't afford to book a room, go and have a coffee in the lobby. Like, it will inspire you more than you will ever know. I remember I used to always go to the Lana in Dubai and have coffees in the lobby because I thought, there's no way I'm staying here. Cut to now, I can, and I, and I do sometimes take myself on staycations because I embodied that version of myself. And before you know it, and before I knew it, I became her. Um, the same with, um, just like looking good and feeling good and journaling, like doing the thing that makes you feel like the best version of yourself. And that radiates abundance because your brain needs exposure to actually comprehend that it's real. Not seeing other people do it on Instagram, not seeing it in passing— your brain and your body has to feel that you can do it, that it is yours, that you can achieve it, and that you're not just an imposter, that it actually is yours for the taking. Habit number 3: spend money on what impresses you, not other people. Do not live for the social media. Do not live for the Instagram. I have a personal Instagram that's completely on private that I haven't posted on in like 4 years. I used to be the I used to post on my stories, I used to post on, you know, my feed, and that's fine if you're into that, by the way, but what I'm saying is, I know I used to do it to try and show a certain lifestyle. Like, one time, if I could afford to go to a nice hotel, I'd be posting all about it, like, this is my life, when it wasn't, and that's the point. I was trying to impress other people instead of really embodying why I was there and what it meant to me. Um, so I've gone through that personal journey as well of, um, it hasn't always been linear. All the habits that I'm telling you, I've really had to do them to learn them and to get better at the outcome of why I'm doing them in the first place, if that makes sense. But stop living for other people. Don't get the business class flight because it's impressive on Instagram. Don't get the designer bag because it's impressive to everyone else. Don't do the thing for others like do the thing for you. Like, I can't stress it enough, you have to truly embody these experiences for yourself. And yeah, I don't even know how to explain it any better than that. Just if you catch yourself posting and doing this and doing that, stop. Just only live your life for you and the life that you want, and don't care about what anyone else has to say, good or bad. Because that will really hinder your progress and that will keep you broke. Habit number 4, track everything. I have a running joke with my partner that I just do girl business. Like, I write down a goal, a money goal for example, and it comes true. But of course it doesn't just come true. Of course I can't just write down a money goal and it comes true. There's so many other things that happen behind the scenes that make that a reality. But what I'm trying to say is I always, always set myself goals. Okay, by this time I want to make this much commission, or by this time I need to have this much close rates through this thing, or by this time I want this much savings. You have to track. When I used to make 1.8K a month, I would have all my bills and my planner, like, plan set out so I knew how much money was spent, I was spending. Same for now, like, I'm constantly tracking, and that's not being obsessed, and that's not acting out of scarcity. It's being mindful of the goals that you have. Now, if you're in a season of life where you're making the money you want and you don't really care too much, that's fine. But if you have serious goals and you want to build wealth and you want to be out of scarcity and want financial freedom, then you have to be smart, you have to be sensible with your money. So that might be cutting back on certain things to be able to spend more on other things. Um, you know, some girls in our community have maybe not gone on that holiday that year so they could invest in the community and then grow exponentially and it's worked for them. It's really looking at where you spend your money and what's a priority for you, and then writing these money goals and then having a plan to actually make it a reality. Tip 5, leverage credit strategically. Now, I am not an advisor, you know, or a money expert or anything like that. This is just what's worked for me. But for example, I use an Amex. Now, I don't have the best Amex, I should get a better one. But I just have an Amex that gives me points, and I use that to buy everything, and I pay it off every single month, so I'm never charged. I definitely do that, um, but I collect points, and that points goes towards, uh, free flights, hotels, different things, and that helps me leverage more. Like, we don't realize that us spending money on a daily basis, we can actually get rewarded for it. And I'm not saying it's always going to be massive rewards, but those stack up. Um, I know my sister, she's a teacher, she also took out an Amex and she just tried to put everything on this Amex and it was able to purchase her family's flights for Disneyland Paris. And that was insane because that was the holiday she wanted to go on with her family, um, and she was able to, to achieve that. And I've had similar experiences myself. So leveraging credit, I think, is just a bit of a hack, to be honest. Habit number 6. Do not fall for the trends. And what I mean by this is, as girls, most of us like nice things. Most of us like the designer bags and the designer clothes and the accessories. I'm the first one to admit that I like it. But don't just spend to impress. It falls into two things: lifestyle creep. Don't spend to impress, and don't make impulse purchases. All the luxury items that I have or that I want, I have on a list, and I think about it for like 6 months to a year to think, do I actually want it? Was it just a trend because I saw a bunch of people use it on Instagram and then it just dropped off? Or is it something that I actually desire? So for example, the first ever bag I ever bought was my Goyard bag. That was like £1,500, I'm pretty sure. I literally used that bag daily for travel, for the gym, for my laptop. Like, you've probably seen it on all of my socials, my red Goyard. Like, I use that bag to death. Perfect. I have my mini black Chanel bag. When people saw me buy that, they thought I was literally insane. It was this tiny bag, you can't even fit your phone, but I literally use that all the time, every day, and it makes me feel good. And I bought that on a special occasion. I have some other things coming up that I've put on my list to buy for special occasions when I hit certain milestones. So it solidifies to myself that one, I really want the thing. I've waited, I've really thought about it, I was really intentional with it. And two, that it's not something that's just gonna fall out of a trend. Like, it was something that I can think, I bought that bag, like, when I was— flew my mom out to Vienna for the first time. I ever flew her out anywhere, and we went to Chanel, and I bought that bag. And that's gonna be a memory that's going to stay with me forever, and that I'm going to be able to pass down to my daughter. Um, so yeah, it's, it's really viewing luxury purchases like that. Otherwise you'll just get caught on this hamster wheel of trying to keep up and trying to impress just because you want to keep up with the Joneses on social media. And those are my habits that have allowed me to become financially free at the age of 26. Your relationship with money is a direct reflection of your relationship with yourself. You have to remember that. I used to spend and spend and spend when I was a nanny to fill a void. Like, me and my mum would used to joke, we used to go to TK Maxx— I think it's TJ Maxx in the US— at like 8 PM at night after work, and I used to just buy this random stuff that I didn't need just because I was so miserable and sad that I thought spending on buying these things I would wear once was actually going to make me happier. And it never did. And when I really stopped that mindset and I really leaned into these wealthy girl habits, they've changed my life. And, and obviously, yeah, my success has been a testament to that. So I would say coming out of this video, write those habits down and do an audit of your life, of your current situation, of where you're at, and to see if you are living in alignment with the woman that you want to become. You don't have to be her right now, but you need to live in alignment with her in order for you to be able to step into that lifeline. I'll see you in the next one.